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Loan Advisor

Vicky Jacobson

NMLS# 413130

Loan Advisor Sandpoint

Cell: 208.304.4406
Licensed in ID

About Vicky

My financial industry experience spans back over the past 23 years mostly working for a local credit union holding multiple positions including branch manager, regional manager and senior underwriter of consumer lending.  During this time I was both directly and indirectly involved in real estate lending in my support of branch operations.  My introduction to mortgage began in 1998 as a loan processor for 2 years working for a local mortgage broker.  In 2009 I returned to a focus in mortgage upon my appointment to real estate underwriter for portfolio loans with the credit union for 2 years followed by the mortgage originator position in Sandpoint serving all of North Idaho.  Over the years I have really enjoyed all the positions I have held and the training I’ve received to become well rounded in my knowledge of the industry.  With the position of originator I really enjoy the personal interaction and the opportunity to be an integral part of helping to make borrowers financial dreams come true through my comprehensive knowledge and responsible lending principles.  I am privileged to have had the opportunity to experience a few different lending institutions and really appreciate the culture at American Pacific Mortgage.  It is truly a delight to be part of a cooperative team that works together to deliver a superior customer service outcome for the borrowers we serve.     

 Personally I am blessed to have lived in Sandpoint, Idaho for 24 years enjoying the surrounding beauty of the great outdoors in all four seasons.  I am married and have 3 grown sons who have given me 3 beautiful daughter in laws and the light of my life, a precious granddaughter who calls me Nana. I enjoy my time with family and friends, walking, painting and the joy of vacation to warmer climates during the winter season.    


Branch Address: 602 N 4th Ave 1st floor Sandpoint ID 83864

Free Resources

First Time Homebuyer Checklist

This easy-to-follow First Time Homebuyer Checklist includes important information and worksheets to prepare you for buying your first home.

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Which Mortgage Loan Suits Me?

There are many mortgage loans to choose from, so it’s important to choose one that fits your circumstances. This quiz can help you decide between various loan options.

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5 Step Roadmap of the Home Loan Process

We mapped out the home loan process to provide you with the knowledge you need to navigate this exciting journey.

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Am I Financially Ready to Buy My First Home

This guide covers the most common financial questions asked when buying a home and is often needed to be financially ready. You may be ready to buy a home sooner than you think.

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Avoid These Mistakes When Buying Your First Home

Download our Tipsheet and you can steer clear of the most common hurdles along your path to homeownership.

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Insider’s Guide to Government Loan Options

In this guide, learn if you qualify for a government home loan for benefits that often include attractive interest rates, low down payment options and more lenient qualifying guidelines.

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Thanking our Servicemembers: Your Guide to a VA Loan

In this guide, you will learn why VA loans are a great option for homeownership for active members and veterans in our armed forces.

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Home Buyer Blog

Let us help you find the home loan to reach your financial goals.

American Pacific Mortgage Programs

Your offer backed by the purchasing power of a full loan approval. With our Keys on Time program, your offer may stand out in a competitive market. Keys on Time Guarantee Want peace of mind for rising interest rates? You can lock your rate while you shop for a home, sell your home, or while your home is under construction. Certain fees may apply. Secure Lock Our Bridge Loan programs can help you purchase a new home before your existing home is sold. Bridge Loan Programs If you are looking to buy a home that exceeds conforming loan limits, we have multiple Jumbo loan programs to choose from. Jumbo Programs Our Peak Loan program allows you to buy a home up to $1.5M with only 5% down. Peak If you are looking to finance a home that exceeds conforming loan limits, our High Balance Solutions program may be the ticket you need. High Balance Solutions If you are looking to finance a home that exceeds conforming high balance loan limits, you can split the loan amount between a first and second with our Jumbo Solutions program. Jumbo Solutions With our Expanded Access program, we have opened the doors to borrowers who need access to financing but don’t "fit" the standard agency or jumbo program guidelines. Expanded Access Investor Advantage gives you purchasing power in the market today for investment properties. Investor Advantage A mortgage program that lets qualified borrowers factor in their assets as sources of qualifying income. Asset Inclusion If you can dream it, you can make it a reality. Finance the purchase of your fixer upper with the cost of repairs included in your mortgage. Dream Home Renovation Home Ready is a conventional 3% down mortgage loan with even more flexible income qualification guidelines. Home Ready by Fannie Mae Purchase a home with low down payment and flexible sources of funds. Home Possible A mortgage program dedicated to saving our selfless teachers and first responders a little money on their home loans. STaR Loan Program Financing provided for the purchase and refinancing of manufactured homes. Manufatured Housing